Public Liability Insurance

Benefits at a glance

  • Professional advice – we know all about the specific needs of cities and communities in all matters involving liability insurance
  • Custom solutions – you only insure what you need to
  • Guaranteed financial security thanks to a strong insurer
  • Excellent value for money, even for small communities 
  • No annual declaration procedure
  • Higher insurance coverage up to CHF 50m for large-scale events through the communal liability excess solution, Zurich PublicPlus

In detail

The demands on public-sector institutions continue to mount. Whether water quality in swimming pools, the safety of gas and water supplies, or maintenance on school facilities: as a municipal or city councilor, you carry the responsibility for losses in your area. Zurich Public Liability Insurance is precisely adapted to the specific needs of public institutions.

Public liability insurance

  • Cities, political communities, municipalities
  • Boroughs, corporations and similar bodies (e.g. corporation councils, forest and religious communities)
  • School communities, church communities
  • Municipally owned businesses and institutions – such as indoor and outdoor pools, sports facilities, power stations, or senior and care homes – can be added to the policy
  • Legally independent institutions and businesses – such as regional fire department associations and civil defense organizations – can be added to the policy as well

Benefits under basic insurance

  • Investment risk, operational risk, product risk
  • Loss prevention costs
  • Environmental impairment

Also included for communities

  • Owners of movable items used by the community (e.g. books, CDs and DVDs in libraries)
  • Water supply for up to 10,000 residents
  • Claims involving the fire department, civil defense and disaster protection
  • Claims arising from the fulfillment of service-level agreements by third parties for the community (e.g. waste disposal, swimming pools, home-care services)
  • Sewage treatment plants, composting plants and public collection points

Additional risk coverage in a low-cost package solution (selection)

  • Extended coverage for work defect claims, according to Article 58 of the Swiss Code of Obligations (claims arising from burst water pipes)
  • Principal’s liability insurance
  • Home help and nursing care
  • Events and trips taking place in the context of the community
  • Private liability insurance for refugees and asylum seekers

Modular supplementary insurance

  • Claims arising from burst water pipes on streets
  • Property damage caused by the fire department, civil defense or disaster protection
  • Claims involving the police department
  • Pecuniary loss liability insurance for communities
  • Other coverage to meet individual needs

Good to know

  • Rare but serious large-scale incidents such as floods, avalanches in the village or gas explosions are risks that are difficult for individual communities or cities to predict
  • Zurich PublicPlus is Zurich’s communal liability excess coverage for large-scale incidents that helps communities and cities protect against catastrophes at low cost
  • You choose your insurer for the ground-up coverage (minimum sum insured CHF 5m) with Zurich PublicPlus
  • The range of co-insured institutions and businesses can be selected individually for each connected community
  • Zurich PublicPlus pays indemnity for liability claims up to CHF 50m and offers a fourfold guarantee per insurance year for all connected communities and claims due to losses combined
  • Thanks to our community concept, the additional liability insurance capacity costs just a fraction of the premium that you would have to pay to add to an individual agreement

Our advisory service

Protect your community or institution against unforeseeable risks. We would be glad to advise you.

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